Fiserv

Fiserv Merchant Services

Fiserv offers a robust suite of payment processing services designed to help businesses accept a wide variety of payment types both online and in-store. Their platform supports credit and debit card processing, mobile payments, digital wallets, and person-to-person transfers, providing merchants with flexible options to meet customer preferences. The payment infrastructure is built for speed, security, and reliability, ensuring transactions are processed quickly and safely. Fiserv's significant assets, reflected in its strong balance sheet and substantial financial resources, demonstrate the company's financial strength and operational scale.

Payment Gateway and Integration Solutions

The service includes comprehensive payment gateway solutions that facilitate seamless integration with ecommerce websites and point-of-sale (POS) systems. Fiserv also supports certified POS terminals and offers developer-friendly APIs, allowing businesses to customise payment acceptance to their specific needs. This flexibility makes it suitable for a wide range of industries, from retail and hospitality to healthcare and professional services.

Security is a key focus of Fiserv’s payment processing, with advanced fraud detection tools, real-time transaction monitoring, encryption, and risk management protocols to protect merchants and customers alike. The platform also supports multi-currency and international payments, enabling businesses to expand globally with ease.

In addition to processing transactions, Fiserv provides detailed reporting and analytics dashboards that help merchants track sales, monitor payment trends, and optimise operations. These insights empower businesses to make data-driven decisions and improve revenue performance.

Fiserv’s payment processing services are scalable, designed to support small businesses growing into larger enterprises, as well as financial institutions that require embedded finance capabilities. The platform’s comprehensive features and reliable infrastructure help businesses streamline payment acceptance, reduce fraud risk, and enhance customer experience.

Overall, Fiserv’s payment services offer merchants a secure, flexible, and efficient way to accept payments across multiple channels, backed by advanced technology and continuous innovation. This focus on practical, easy-to-understand solutions ensures businesses can quickly leverage Fiserv’s tools to grow revenue and improve operational efficiency.

What Fiserv Offers

Fiserv provides a comprehensive suite of financial services technology products designed to support businesses and financial institutions in managing payments and related operations. Key offerings include:

• Payment Processing: Support for credit and debit card transactions, mobile payments, digital wallets, and person-to-person transfers across online and in-store channels.
• Mobile Banking Solutions: Tools enabling secure and seamless mobile banking experiences for financial institutions and their customers.
• Embedded Finance: Solutions that allow businesses to integrate financial services directly into their products and platforms, enhancing customer engagement and revenue opportunities.
• Payment Gateway and POS Support: Robust infrastructure for payment acceptance, including APIs and certified point-of-sale integrations for various retail environments.
• Fraud Detection and Security: Advanced fraud prevention tools, real-time monitoring, encryption, and risk management features to safeguard transactions and data.
• Multi-Currency and International Payments: Capabilities to handle global transactions with support for multiple currencies and cross-border payments.
• Comprehensive Reporting and Analytics: Dashboards and reporting tools that provide insights into transaction activity, helping businesses optimise operations and decision-making.

Fiserv’s platform is designed to be scalable and flexible, serving a wide range of industries and business sizes. Its solutions empower financial institutions and merchants to stay competitive by adopting modern payment technologies and maintaining compliance with evolving regulatory standards.

By leveraging Fiserv's solutions, businesses can enhance operational efficiency and potentially increase revenue per share, providing greater value to shareholders.

Security and Compliance

Fiserv puts security and compliance front and centre, giving businesses the peace of mind that comes with industry-leading protection for sensitive financial data. The platform delivers robust security through advanced encryption, real-time threat detection, and strict access controls that work together to protect both client information and funds at every stage of processing. What makes Fiserv particularly attractive to businesses is its proactive approach to compliance, dedicated teams constantly monitor regulatory changes and implement updates to ensure everything stays aligned with payment processing rules and anti-money laundering requirements. This comprehensive approach appeals to companies that need bulletproof security infrastructure, offering the confidence that their financial operations and transactions are not just secure, but fully compliant with all legal standards from day one.

Pricing

Fiserv typically uses custom pricing models based on business size, transaction volume, and specific requirements. The company generally offers tiered pricing structures that include processing fees, monthly service charges, and setup costs. Exact rates vary significantly depending on merchant risk profile, industry type, and negotiated contract terms.

Who Fiserv Suits: Small Businesses

Fiserv works best for established businesses and financial institutions that need comprehensive payment solutions with advanced features. The platform particularly benefits medium to large merchants, banks, credit unions, and businesses requiring embedded finance capabilities. Companies prioritising security, compliance, and integration flexibility find Fiserv’s enterprise-level solutions most valuable.

Industry Use Cases

The platform serves retail stores needing integrated POS systems, financial institutions offering payment services to customers, healthcare organisations processing patient payments, and professional services requiring recurring billing capabilities. Fiserv also supports ecommerce businesses through online payment gateways and helps software companies embed payment functionality into their applications.

Industry Recognition

Fiserv stands out as a proven leader in financial services, earning its place at #269 on the Forbes Global 2000 and #208 on the Fortune 500, rankings that reflect real business scale and market influence. The company has secured recognition as a leader in the IDC MarketScape for Retail Digital Banking Solutions, which demonstrates its strength in delivering mobile banking and embedded finance solutions that businesses actually need. With award-winning services covering payment processing, digital banking, and embedded finance, Fiserv consistently delivers both cutting-edge technology and excellent customer experience. This track record of industry recognition shows Fiserv's dedication to providing top-tier services and driving meaningful progress in financial technology for businesses of all sizes.

Payments Integration and Technical Setup

Merchants connect Fiserv through API integrations for websites, certified point-of-sale terminals for retail locations, and SDK implementations for mobile applications. The setup process typically involves technical integration assistance, account configuration, and compliance verification. Fiserv provides documentation and support resources to help businesses implement their payment solutions.

Customer Support

Fiserv delivers comprehensive customer support infrastructure that ensures businesses receive targeted assistance precisely when operational challenges arise. The company provides multiple touchpoints—including dedicated phone lines, priority email support, and extensive online knowledge bases—giving businesses flexible access to solutions across every aspect of their payment ecosystem. Fiserv's support specialists bring deep expertise in financial services technology and regulatory compliance, enabling them to tackle complex integration challenges and provide strategic guidance that drives real business outcomes. By focusing on operational excellence and building trusted business relationships, Fiserv empowers companies to unlock the full potential of their payment infrastructure while confidently navigating the rapidly evolving fintech landscape.

Customer Reviews and Reputation

Fiserv generally receives positive feedback for reliability, security, and comprehensive feature sets from enterprise customers. Users appreciate the platform’s stability and extensive capabilities, though some mention complexity during initial setup and higher costs compared to simpler alternatives.

FAQs about Fiserv

Here are 10 common questions and answers about Fiserv

Get a Comparison

If you're a business owner in the UK looking to optimise your payment processing, Independent Merchant Services (IMS) offers a valuable resource to compare payment gateways and merchant account providers. IMS acts as an independent facilitator, helping you navigate the complex market of card payment providers to find competitive merchant services tailored to your business needs. Their free comparison service covers over 90% of the UK’s leading payment gateways and processors, including options for online, face-to-face, telephone, and payment link transactions.

By using IMS, you can avoid hidden charges, unfavourable contract terms, and overpaying for merchant services. This comparison also helps ensure PCI compliance and supports a range of payment types, from Direct Debit and open banking solutions to EPOS integrations. Whether you run a small start-up or a large enterprise, leveraging IMS’s expertise can help you reduce costs, improve payment acceptance efficiency, and stay competitive in the UK market. To get started, request a free quote or book a short expert call to receive unbiased advice and guidance on selecting the best payment gateway for your business.